Payments
What payment methods does Sunshineelectrics accept?
We accept payments via Credit Card, Debit Card, Net Banking COD (Cash on Delivery) and PAD(Payment after delivery/installation-Sending payment invoice link to the customers' E : Mail).
How to use the Cash On Delivery (COD) payment option?
When you make a purchase using the COD option, you will receive a call from our delivery department to confirm your order before it gets dispatched. If you are unreachable or unable to attend the call, then please contact us if you are interested in receiving the product.
Is it safe to shop online using my Debit card/Credit Card or Net Banking?
Whatever your online mode of payment, you can be rest assured that our trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.
Are there any hidden charges?
There are absolutely no hidden charges. The prices listed for all the items are final and all-inclusive. The prices may only vary in case of orders with old battery exchange if the old battery is not of the same ‘Ah’ rating as the battery you ordered.
What should I do if my payment fails?
In case of a payment failure, please retry and ensure that the credit card/debit card or net banking details entered by you are accurate and your Internet connection is not disconnected during the payment process.
If your account has been debited after a payment failure, it is normally rolled back to your credit card or bank account within 7 business days. If you have any specific queries you can email us on info@Sunshineelectrics.com or give us a call with your order number for any clarification.
What is EMI payment option?
Sunshineelectrics's EMI scheme is available for HDFC, SBI, CITI, ICICI, Kotak, Axis, HSBC, IndusInd, Standard Chartered bank credit card holders only. You may choose to pay in 3, 6, 9, or 12 months* installments. The minimum order value to avail the EMI payment option is Rs. 2,500.
The rates shown below are annual interest rates charged on a monthly reducing balance. This means that the principal amount is reduced with every EMI and the interest is calculated on the outstanding balance.
There is no processing or convenience fees charged on any EMI transactions.
EMI plans / Interest charge
| Bank | 3-Months | 6-Months | 9-Months | 12-Months | 18-Months | 24-Months |
| HDFC | 12% | 12% | 13% | 13% | xx | xx |
| SBI | 14% | 14% | 14% | 14% | xx | xx |
| CITI | 13% | 13% | 15% | 15% | xx | xx |
| ICICI | 13% | 13% | 13% | 13% | xx | xx |
| Standard Chartered | 13% | 13% | 14% | 14% | xx | xx |
| Kotak | 14% | 14% | 15% | 15% | xx | xx |
| Axis | 12% | 12% | 13% | 13% | xx | xx |
| HSBC | 12.5% | 12.5% | 13.5% | 13.5% | xx | xx |
| IndusInd | 14% | 14% | 14% | 14% | xx | xx |
Example and Calculations
The table below shows a representative rendering of EMI plans for a Rs. 10,599 purchase on Sunshineelectrics paid using the EMI payment plan
| Tenure (months) | Loan amount | Monthly installment | Bank interest rate | Total effective price you pay | Total Interest paid to Bank |
| 3 | Rs. 10,599 | Rs 3,603.89 | 12% | Rs. 10,811.68 | Rs. 212.68 |
| 6* | Rs. 10,599 | Rs 1,828.84 | 12% | Rs 10,973.04 | Rs. 374.04 |
| 9* | Rs. 10,599 | Rs 1,242.37 | 13% | Rs 11,181.36 | Rs. 582.36 |
| 12* | Rs. 10,599 | Rs 946.67 | 13% | Rs 11,360.09 | Rs. 761.09 |
How do I make a payment using credit card EMI option?
Once you've added the desired items into your cart, proceed to checkout as usual. On the 'Payment Option' selection page, select 'Credit Card (EMI)'. Choose the EMI plan (3, 6, 9 or 12-months) of your choice and enter your credit card details on the payment gateway page. Once the payment is authorized, your order will be processed and delivered. You will need to pay the total amount, in the pre-determined number of installments, as per your credit card billing cycles.
Please note that the full amount will be charged on your card the day of the transaction. Within 7 days, you will see a credit for the full amount. The first EMI charge will occur subsequently. If your card's billing date falls within those 7 working days, you need to pay only the EMI amount to the bank. Such EMI transactions are at the discretion of your credit card issuing bank. If you have any queries about the EMI plan, we suggest you get in touch with your bank.
